546 Cirvelo St, Watsonville, CA 95076 Property Records

Santa Cruz County property record for 546 Cirvelo St, Watsonville, CA 95076

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,939 sqft · built 2004
Lot Size	0.147 acres (6,403 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Dec 2012)
Tax Bill	$5,800 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`017-752-12`

Property Details

APN / Parcel Number

Primary APN	`017-752-12`
Alternative APN	`017-752-12-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	1,939 sqft Living Area
Gross Area	2,379 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Wood
Roof Material	Tile
Lot Area	6,403 sqft (0.147 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	546 CIRVELO ST
City	WATSONVILLE
State	CA
Zip	95076-1080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Subdivision	VISTA MONTANA PH 2 TR 1445
Legal Lot Number	164
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	WATSONVILLE
Census Block Group	1
Census Block	1016
Census Tract	110101

Owner

Source: Santa Cruz County records, as of September 22, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage ML MORTGAGE CORPORATION
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC
Sep 18, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage MOUNTAIN WEST FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2012 · Amount on File
Deed Sale	Dec 18, 2012 · Amount on File
Prior Sale	Sep 17, 2004 · Amount on File
Deed Document Number	201262964
Last Transfer Date	Sep 10, 2018
Transfer Doc	0000028495
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 10, 2026
Property Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080
Document Number	0000020425
Instrument Date	Sep 3, 2026
Instrument	202620425
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000020425,
Date	Sep 10, 2026
Instrument	202620425

Lender

Name	ML MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080
Transaction Type	Mortgage
Record Updated	Apr 6, 2022
Title Company	ER FIRST AMERICAN TIT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000009097
Date	Mar 21, 2022
Instrument	2022-0009097

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000010141
Date	Feb 17, 2021
Instrument	2021-0010141

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Mortgage Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANTA CRUZ CA
Property Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033791
Date	Oct 31, 2019
Instrument	2019-0033791

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company
Address	REDLANDS, CA 92374

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

September 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SANTA CRUZ CA
Recording Date	Sep 18, 2018
Property Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080
Document Number	0000028495
Map Reference	VOL 103 PG 36
Instrument Date	Sep 10, 2018
Instrument	2018-0028495
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FIRST AMERICAN TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property with Right of Survivorship
Address	546 CIRVELO ST, WATSONVILLE, CA 95076-1080

Mortgage

Document Number	0000028496
Date	Sep 18, 2018
Instrument	2018-0028496

Lender

Name	MOUNTAIN WEST FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Municipality	Watsonville City
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$414,500 (+2%) Land $207,250 Building $207,250
2025	$5,800.00 (+12.77%) Homeowner's exemption	$406,372 (+4.04%) Land $203,186 Building $203,186
2023	$5,143.00 (+2.14%) Homeowner's exemption	$390,592 Land $195,296 Building $195,296	$572,670
2022	$5,035.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 88 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	88 in force
Nearby Flood Claims	3 (2022–2023)
Most Recent Claim	Mar 2023 · Severe Storm And Flooding
Claims by Event	Severe Winter Storms, Flooding, Landslides, And Mudslides, Jan 2023 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.2% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF WATSONVILLE serves 65,231 people · EPA ID CA4410011
Water Source	Surface water
Last State Inspection	Jul 2023
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Cruzio Fixed Wireless	1,000 / 1,000
Razzolink Fixed Wireless	500 / 250
Etheric Networks Fixed Wireless	250 / 100
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: GeoLinks, Verizon, Xfinity.

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